Summerville, GA home prices
Typical home $174,998 · +4.0% in a year · income needed $49,600
The Summerville, GA metro area ranks 740 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +4.0% in a year and +19.5% over five years. With 20% down at 7.11%, the typical home costs about $1,158 a month including 0.88% property tax (Chattooga County rate).
Mortgage on the typical Summerville home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $35,000 | $139,999 | $942 | $0 | $216 | $1,158 | $49,600 |
| 10% down | $17,500 | $157,499 | $1,060 | $66 | $216 | $1,342 | $57,500 |
| 5% down | $8,750 | $166,248 | $1,118 | $69 | $216 | $1,404 | $60,200 |
| 3.5% down (FHA) | $6,125 | $171,829 | $1,156 | $77 | $216 | $1,450 | $62,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.88% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Summerville area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Chattooga County, GA | $175,003 | +4.0% | 0.88% |
What can you afford in Georgia on your salary? · Georgia home prices · Salaries in Georgia
Frequently asked questions
How much is a house in Summerville?
The typical home in the Summerville, GA metro area is worth $174,998 (Zillow, September 2026).
What salary do you need to buy a house in Summerville?
About $49,600 a year for the typical home with 20% down at 7.11%.